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Core Viewpoint - The article discusses the recent implementation of a one-time credit repair policy by the People's Bank of China, which allows individuals with overdue records to have their credit reports updated, effectively removing certain overdue information if specific conditions are met [8][19]. Group 1: Policy Details - The one-time credit repair policy was announced on December 22, 2025, and aims to support individuals with damaged credit who have actively repaid their debts [8]. - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB [19]. - Individuals must fully repay their overdue debts by March 31, 2026, to benefit from the policy, which will automatically identify and process eligible overdue records without requiring any application [19][21]. Group 2: Impact on Credit Reports - Following the policy's implementation, overdue records that meet the criteria will have their repayment status changed from overdue to normal, and overdue amounts will be adjusted to zero in credit reports [10][19]. - Users have reported that their credit reports reflect these changes, with overdue account numbers and details being cleared [8][10]. Group 3: Benefits and Implications - The policy is designed to alleviate the "credit dilemma" faced by individuals, encouraging them to resolve historical credit issues and restore their financial credibility [23][24]. - It is emphasized that this policy does not erase debt obligations; individuals must still fulfill their repayment responsibilities to benefit from the credit record adjustments [23][24]. - The initiative is expected to improve the relationship between financial institutions and clients, as it encourages individuals to maintain and protect their credit status, ultimately enhancing the overall credit ecosystem [24].